Thwaites is the UK market leader in site dumpers. When buying a Thwaites from a dealer, you'll likely be offered finance through the dealer. Here's an honest assessment of when to accept it and when to use an independent broker.
Thwaites Dealer Finance vs Independent Broker - Comparison
| Factor | Thwaites Dealer Finance | Independent Broker (DBF) |
|---|---|---|
| Indicative Rate | 5.5–12% | 4.5–14% |
| Equipment | New Thwaites from dealer | New & used, all brands |
| Used Thwaites | Not available | HP from panel lenders |
| Non-Thwaites brands | Not available | Wacker Neuson, Winget, Terex |
| Adverse credit | Limited | Specialist lenders |
| Sole traders | Limited | Clear appetite via Aldermore/Haydock |
| Start-ups | Typically not | Time Finance, 1pm Finance |
Thwaites - UK Market Leader in Site Dumpers
Thwaites has been manufacturing site dumpers in Leamington Spa since 1919 and remains the dominant brand in the UK market. The most commonly financed models include:
- Thwaites 1t MACH Eco - compact rotating skip, approx £14,000–£18,000 new
- Thwaites 3t Dumper - the most popular groundwork dumper in the UK, approx £22,000–£32,000
- Thwaites 6t Articulated Dumper - larger civils and infrastructure work, approx £55,000–£75,000
- Thwaites 9t Hi-Tip Articulated - heavy earthworks, approx £80,000–£120,000
Dealer finance wins when
- Buying new Thwaites from authorised dealer
- Promotional rate running at time of purchase
- Clean credit, simple limited company
- Single unit, no other finance needs
- Speed of point-of-sale arrangement matters
Broker wins when
- Buying used Thwaites of any size
- Fleet includes Wacker Neuson or other brands
- Adverse credit, CCJs, or satisfied defaults
- Sole trader or partnership structure
- Start-up groundwork business
- Want competing lenders to reduce rate